User Guidelines & General Information topicshttp://ficoforums.myfico.com/t5/User-Guidelines-General/bd-p/Welcome
User Guidelines & General Information topicsFri, 23 Sep 2016 03:23:12 GMTWelcome2016-09-23T03:23:12ZNow you can report abuse in Private Messageshttp://ficoforums.myfico.com/t5/User-Guidelines-General/Now-you-can-report-abuse-in-Private-Messages/m-p/4432315#M262
<P>Forums members can now&nbsp;click the “Report Inappropriate Content” button in private messages to alert the moderators of any violations being committed via private message.&nbsp;When you report&nbsp;a private message, it will go to the Abuse Report board.</P>Thu, 28 Jan 2016 19:59:39 GMThttp://ficoforums.myfico.com/t5/User-Guidelines-General/Now-you-can-report-abuse-in-Private-Messages/m-p/4432315#M262Borna_H2016-01-28T19:59:39ZAdmins and Moderatorshttp://ficoforums.myfico.com/t5/User-Guidelines-General/Admins-and-Moderators/m-p/3951726#M259
<P><STRONG>Admins:</STRONG><BR />If you have questions or concerns about the moderation team or the forums, these are the people you want to contact:</P>
<P>&nbsp;</P>
<P><SPAN><A href="http://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/771211" target="_self">Kelsey_H</A></SPAN> is the current myFICO admin.</P>
<P><A href="http://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/344336" target="_self">KaLin</A> is the Lithium admin.<BR /><BR /><BR /><STRONG>Moderators:</STRONG><BR /><BR />All of our moderators are volunteers and started out as regular community members. They have been selected by the the FICO Forums staff to enforce the community guidelines and help our community members. If you have any questions, please feel free to contact them!</P>
<P>&nbsp;</P>
<P><SPAN class="UserName lia-user-name"><A id="link_8289625cba0a4a_1_45cb3" class="lia-link-navigation lia-page-link lia-user-name-link" style="color: #3333cc;" href="http://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/223250" target="_self"><SPAN class="login-bold">Kenny</SPAN></A></SPAN></P>
<P><SPAN class="UserName lia-user-name"><SPAN class="login-bold"><A id="link_8289625cba0a4a_2_45cb3" class="lia-link-navigation lia-page-link lia-user-name-link" style="color: #3333cc;" href="http://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/304717" target="_self">MarineVietVet</A></SPAN></SPAN></P>
<P><SPAN class="UserName lia-user-name"><A id="link_8289625cba0a4a_3_45cb3" class="lia-link-navigation lia-page-link lia-user-name-link" style="color: #3333cc;" href="http://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/452952" target="_self"><SPAN class="login-bold">Shogun</SPAN></A></SPAN></P>
<P><SPAN class="UserName lia-user-name"><SPAN class="login-bold"><A id="link_8289625cba0a4a_4_45cb3" class="lia-link-navigation lia-page-link lia-user-name-link" style="color: #3333cc;" href="http://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/621098" target="_self">09Lexie</A></SPAN></SPAN></P>
<P><SPAN class="UserName lia-user-name"> <A id="link_8289625cba0a4a_5_45cb3" class="lia-link-navigation lia-page-link lia-user-name-link" style="color: #3333cc;" href="http://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/735825" target="_self"><SPAN class="login-bold">SunriseEarth</SPAN></A></SPAN></P>
<P><SPAN class="UserName lia-user-name"><SPAN class="login-bold"> <A id="link_8289625cba0a4a_6_45cb3" class="lia-link-navigation lia-page-link lia-user-name-link" style="color: #3333cc;" href="http://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/764813" target="_self">-NewGuy-</A></SPAN></SPAN></P>
<P><SPAN class="UserName lia-user-name"><SPAN class="login-bold"><A id="link_22" class="lia-link-navigation lia-page-link lia-user-name-link" style="color: #74138c;" href="http://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/763931" target="_self">gdale6</A></SPAN></SPAN></P>
<P><SPAN class="UserName lia-user-name"><SPAN class="login-bold"><A id="link_38" class="lia-link-navigation lia-page-link lia-user-name-link" style="color: #339999;" href="http://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/340732" target="_self">StartingOver10</A></SPAN></SPAN></P>
<P>&nbsp;</P>
<P><STRONG>Community Leaders:</STRONG></P>
<P>&nbsp;</P>
<P><SPAN class="UserName lia-user-name"> <A id="link_23" class="lia-link-navigation lia-page-link lia-user-name-link" style="color: #993366;" href="http://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/55158" target="_self"><SPAN class="login-bold">guydiver</SPAN></A></SPAN></P>
<P><SPAN class="UserName lia-user-name"><A id="link_34" class="lia-link-navigation lia-page-link lia-user-name-link" style="color: #990099;" href="http://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/160642" target="_self"><SPAN class="login-bold">SCF</SPAN></A></SPAN></P>
<P><SPAN class="UserName lia-user-name"><A id="link_28" class="lia-link-navigation lia-page-link lia-user-name-link" style="color: #74138c;" href="http://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/185288" target="_self"><SPAN class="login-bold">laz98</SPAN></A></SPAN></P>
<P><SPAN class="UserName lia-user-name"><A id="link_25" class="lia-link-navigation lia-page-link lia-user-name-link" style="color: #990099;" href="http://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/480440" target="_self"><SPAN class="login-bold">improvingmycred<WBR />it</SPAN></A></SPAN></P>
<P><SPAN class="UserName lia-user-name"> <A id="link_30" class="lia-link-navigation lia-page-link lia-user-name-link" style="color: #74138c;" href="http://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/639972" target="_self"><SPAN class="login-bold">lg8302ch</SPAN></A></SPAN></P>
<P><SPAN class="UserName lia-user-name"><A id="link_37" class="lia-link-navigation lia-page-link lia-user-name-link" style="color: #990099;" href="http://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/644346" target="_self"><SPAN class="login-bold">starry1</SPAN></A></SPAN></P>
<P><SPAN class="UserName lia-user-name"><A id="link_31" class="lia-link-navigation lia-page-link lia-user-name-link" style="color: #74138c;" href="http://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/667905" target="_self"><SPAN class="login-bold">myjourney</SPAN></A></SPAN></P>
<P><SPAN class="UserName lia-user-name"><A id="link_24" class="lia-link-navigation lia-page-link lia-user-name-link" style="color: #990099;" href="http://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/717119" target="_self"><SPAN class="login-bold">Imperfectfuture</SPAN></A></SPAN></P>
<P><SPAN class="UserName lia-user-name"><A id="link_26" class="lia-link-navigation lia-page-link lia-user-name-link" style="color: #990099;" href="http://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/831847" target="_self"><SPAN class="login-bold">Irish80</SPAN></A></SPAN></P>
<P><SPAN class="UserName lia-user-name"><SPAN class="login-bold"><A id="link_20" class="lia-link-navigation lia-page-link lia-user-name-link" style="color: #339999;" href="http://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/623998" target="_self">B335is</A></SPAN></SPAN></P>
<P><SPAN class="UserName lia-user-name"><SPAN class="login-bold"><A id="link_21" class="lia-link-navigation lia-page-link lia-user-name-link" style="color: #993366;" href="http://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/713721" target="_self">eddie84</A></SPAN></SPAN></P>
<P><SPAN class="UserName lia-user-name"><SPAN class="login-bold"><A id="link_29" class="lia-link-navigation lia-page-link lia-user-name-link" style="color: #993366;" href="http://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/803638" target="_self">Lemmus</A></SPAN></SPAN></P>
<P><SPAN class="UserName lia-user-name"><SPAN class="login-bold"><A id="link_32" class="lia-link-navigation lia-page-link lia-user-name-link" style="color: #993366;" href="http://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/822487" target="_self">NormanFH</A></SPAN></SPAN></P>
<P><SPAN class="UserName lia-user-name"><SPAN class="login-bold"><A id="link_35" class="lia-link-navigation lia-page-link lia-user-name-link" style="color: #990099;" href="http://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/601058" target="_self">Scupra</A></SPAN></SPAN></P>
<P><SPAN class="UserName lia-user-name"><SPAN class="login-bold"><A id="link_40" class="lia-link-navigation lia-page-link lia-user-name-link" style="color: #339999;" href="http://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/849331" target="_self">Yes-Its-Me</A></SPAN></SPAN></P>
<P><SPAN class="UserName lia-user-name"><SPAN class="login-bold"><A href="http://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/902416?q=UncleB" target="_self">UncleB</A></SPAN></SPAN></P>
<P><SPAN class="UserName lia-user-name"><SPAN class="login-bold"><A href="http://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/743979?q=Baller4life" target="_self">baller4life</A></SPAN></SPAN></P>Mon, 06 Jun 2016 20:01:51 GMThttp://ficoforums.myfico.com/t5/User-Guidelines-General/Admins-and-Moderators/m-p/3951726#M259KaLin2016-06-06T20:01:51ZCriteria for Community Moderators and Community Leadershttp://ficoforums.myfico.com/t5/User-Guidelines-General/Criteria-for-Community-Moderators-and-Community-Leaders/m-p/3923564#M258
<P>All of our moderators and Community Leaders are volunteers and started out as regular community members. They have been selected by the FICO Forums staff to enforce the community guidelines and help our community members. We take a look at your knowledge, enthusiasm, and willingness to help out- all traits that make you perfectly suited to be a CL or Moderator!&nbsp;</P>
<P>&nbsp;</P>
<P><EM>Some of the guidelines for being considered for either position are:</EM></P>
<P>&nbsp;</P>
<OL>
<LI><STRONG>Respect and courtesy for other members of the community</STRONG><EM>.</EM> <EM>This means no name calling, rudeness or meanness.</EM></LI>
<LI><STRONG>Abiding by the myFICO community User Guidelines and Terms of Use</STRONG><EM>. This means refraining from engaging in discussions that are specifically not allowed and discussion of illegal activities.</EM></LI>
<LI>Your ability to report community abuses to the moderation staff by using the “Report Inappropriate Content” feature <STRONG>when you feel that a post violates the community Guidelines</STRONG>.</LI>
</OL>Thu, 09 Apr 2015 21:33:52 GMThttp://ficoforums.myfico.com/t5/User-Guidelines-General/Criteria-for-Community-Moderators-and-Community-Leaders/m-p/3923564#M258KaLin2015-04-09T21:33:52ZCommunity Rankshttp://ficoforums.myfico.com/t5/User-Guidelines-General/Community-Ranks/m-p/3888542#M256
<P>By popular demand, we are reposting the user ranks on the myFICO community.&nbsp; One of the latest questions involves the colors of the ranks.&nbsp; They are assigned randomly and have no bearing on anything.&nbsp;</P>
<P>&nbsp;</P>
<P>The ranks are listed below in order from the highest achievable rank at the top to the lowest rank for a new member at the bottom:</P>
<P>&nbsp;</P>
<P><IMG src="http://fico.i.lithium.com/t5/image/serverpage/image-id/12039i048B9E6526B7BB76/image-size/original?v=v2&amp;px=-1" border="0" alt="2015-03-26_1559_FICO_Ranks.png" title="2015-03-26_1559_FICO_Ranks.png" align="left" /></P>
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<P>&nbsp;</P>Thu, 26 Mar 2015 21:03:02 GMThttp://ficoforums.myfico.com/t5/User-Guidelines-General/Community-Ranks/m-p/3888542#M256KaLin2015-03-26T21:03:02ZNew: myFICO Customer Focus Grouphttp://ficoforums.myfico.com/t5/User-Guidelines-General/New-myFICO-Customer-Focus-Group/m-p/1437720#M175
<P>Greetings, forum members!</P>
<P>&nbsp;</P>
<P>myFICO is assembling a new Customer Focus Group to gain insights on our products, customer needs, and future developments. Participation is voluntary, and consists of filling out a brief survey once or twice a month. If you’d like to join this new Customer Focus Group, send an email to <A href="mailto:survey@myfico.com" target="_blank">survey@myfico.com</A> with “Focus Group” in the subject line – you do not need to provide your name or other info at this time. Anyone interested in myFICO can join; should you choose to participate, you’ll receive your first survey in the next 7-10 days.</P>
<P>&nbsp;</P>
<P>Please note:&nbsp;any information you provide in the surveys will remain confidential; we will not sign you up for any email lists, or contact you for any purpose other than providing the newest survey.</P>
<P>&nbsp;</P>
<P>Feel free to send me a PM if you have any additional questions.</P>Thu, 07 Jun 2012 21:58:11 GMThttp://ficoforums.myfico.com/t5/User-Guidelines-General/New-myFICO-Customer-Focus-Group/m-p/1437720#M175Sarah2012-06-07T21:58:11ZCongrats are in order for....http://ficoforums.myfico.com/t5/User-Guidelines-General/Congrats-are-in-order-for/m-p/1240751#M120
<P>...our newest volunteer Moderator: <STRONG>LIGHTNIN</STRONG>!</P>
<P>&nbsp;</P>
<P>...and our newest Community Leaders: <STRONG>tinuviel</STRONG>, <STRONG>pizzadude</STRONG> and <STRONG>-Cain-</STRONG></P>
<P>&nbsp;</P>
<P>It is a pleasure to be able to acknowledge in this way the many contributions these members have made to the community.&nbsp; Their willingness to further assist the CL and Mod teams is greatly appreciated, and I wish them much success in their new roles!</P>
<P>&nbsp;</P>
<P>Welcome and congrats!!!</P>
<P>&nbsp;</P>
<P>-Barry</P>Wed, 22 Feb 2012 23:22:45 GMThttp://ficoforums.myfico.com/t5/User-Guidelines-General/Congrats-are-in-order-for/m-p/1240751#M120Barry2012-02-22T23:22:45ZFrequent Contributor and custom avatarhttp://ficoforums.myfico.com/t5/User-Guidelines-General/Frequent-Contributor-and-custom-avatar/m-p/989712#M91
<P>MyFICO community members,<BR /><BR />We have now enabled<STRONG><FONT color="#cc0000"> Frequent Contributor</FONT></STRONG>﻿ to upload their own images as an avatar!<BR /><BR />If you have the rank of&nbsp;<STRONG><FONT color="#cc0000">Frequent Contributor﻿</FONT></STRONG> and would like to change your icon to a custom avatar, click "<STRONG>My Settings</STRONG>", then "<STRONG>Avatar</STRONG>" tab. Avatars will be limited to 60x60 pixels, so please be aware of this while choosing an image for an avatar.</P>
<P>&nbsp;</P>
<P><SPAN>&nbsp;If you are using an image from your computer, here are the instructions for uploading images -&gt;&nbsp;</SPAN><A href="http://ficoforums.myfico.com/t5/help/faqpage/faq-category-id/images#images" target="_self">Images</A><BR /><BR />Please make sure your icons are tasteful, and abide by all of the guidelines set forth in the <A href="http://ficoforums.myfico.com/t5/forums/editpage/board-id/fico/board/message?board.id=Welcome&amp;thread.id=2&amp;jump=true" target="_blank">Terms of Service</A>and <A href="http://ficoforums.myfico.com/t5/forums/editpage/board-id/fico/board/message?board.id=Welcome&amp;thread.id=3&amp;jump=true" target="_blank">User Agreement</A>for the community.<BR /><BR />If you have any further questions, please send a message to a moderator or administrator.<BR /><BR />- myFICO Moderation Team ﻿</P>Tue, 24 Jul 2012 21:54:50 GMThttp://ficoforums.myfico.com/t5/User-Guidelines-General/Frequent-Contributor-and-custom-avatar/m-p/989712#M91mod-moose2012-07-24T21:54:50ZTips: How to Searchhttp://ficoforums.myfico.com/t5/User-Guidelines-General/Tips-How-to-Search/m-p/869968#M48
<P><STRONG>Searching</STRONG></P>
<P>&nbsp;</P>
<P><STRONG>How do I search for information? </STRONG></P>
<P>&nbsp;</P>
<P>To search the Community, type keywords for your topic into the <STRONG>Search
Community</STRONG> text box and click the search icon. A page of search results
will be displayed. Browse the search results in the same manner you would a
message board. </P>
<P><IMG src="http://fico.i.lithium.com/skins/images/AFE473809F925C200628D506587455C1/base/images/image_not_found.gif" border="0" alt="howtosearch1.jpg" title="howtosearch1.jpg" align="center" /></P>
<P>&nbsp;</P>
<P>To perform a more in-depth search, click the <STRONG>Advanced</STRONG> link
found on the left side of most pages. This search allows you to limit your
query to a specific board, specific parts of the message (subject vs. body) and
other advanced parameters.</P>
<P>&nbsp;</P>
<P>You can also search for Community members by clicking the <STRONG>Users</STRONG>
tab on any search results page and using the search options on this page. </P>
<P>&nbsp;</P>
<P><IMG src="http://fico.i.lithium.com/skins/images/AFE473809F925C200628D506587455C1/base/images/image_not_found.gif" border="0" alt="howtosearch2.jpg" title="howtosearch2.jpg" align="center" /></P>
<P>&nbsp;</P>
<P><STRONG>How does auto-suggest work? </STRONG></P>
<P>Auto-suggest accelerates your search by displaying results as you type
search terms. When you see the post or user you're looking for, you can go to
the post or the user's profile right from the auto-suggest results. </P>
<P>&nbsp;</P>
<P>To turn auto-suggest off, click <STRONG>Turn off suggestions</STRONG> in the
auto-suggest list. </P>
<P>&nbsp;</P>
<P>To turn auto-suggest on, click <STRONG>Turn on suggestions</STRONG> below
the search entry area. </P>
<P>&nbsp;</P>
<P><IMG src="http://fico.i.lithium.com/skins/images/AFE473809F925C200628D506587455C1/base/images/image_not_found.gif" border="0" alt="howtosearch3.jpg" title="howtosearch3.jpg" align="center" /></P>
<P><IMG src="http://fico.i.lithium.com/skins/images/AFE473809F925C200628D506587455C1/base/images/image_not_found.gif" border="0" alt="howtosearch4.jpg" title="howtosearch4.jpg" align="center" /></P>
<P>&nbsp;</P>
<P><STRONG>How do I filter search results? </STRONG></P>
<P>Interactive search filters on the
left side of the page let you refine the search results based on a variety of
criteria: location, author, date, and others. </P>
<P>Filtering results is as easy as
clicking one (or more) of the search filters. Want to limit your search results
to accepted solutions? Just click the check box for Solved. Want only the most
recent results? Use one for the date filters to see results for a day or a week
ago. </P>
<P>&nbsp;</P>
<P>You can also filter your results by
both individual authors or all results from members who have the same rank. For
example, you could look for results by a specific community member, or look for
all results written by community experts. Auto-suggest will help you as you
type a screen name or rank. </P>
<P>&nbsp;</P>
<P>Search filters work together, so you
can see just the results in accepted solutions for the last month, for example.
However, the filters for the type of post work a little differently than the
others. If you choose Forums and Blogs, you see results from either forums <STRONG>or</STRONG>
blogs (not results that are both forum and blog posts -- it would be hard to be
both). </P>
<P>&nbsp;</P>
<P>You can see which filters are active
at the top of the results list. To turn a filter off, click the <STRONG>X (Remove)</STRONG>
button to the right of the filter. </P>
<P>&nbsp;</P>
<P><STRONG>How can I customize search results? </STRONG></P>
<P>There are a lot of ways you can
customize your search results to make them more meaningful. </P>
<UL>
<LI>You can use the interactive filters on the left side of
the page to refine the search results based on a variety of criteria:
location, author, date, and others. </LI>
<LI>You can see which filters are active at the top of the
results list. </LI>
<LI>You can turn an active filter off by clicking the <STRONG>X
(Remove)</STRONG> button to the right of the filter. </LI>
</UL>
<P>&nbsp;</P>
<P><STRONG>How do I search for posts? </STRONG></P>
<P>You can search for posts and
knowledge base articles at any level of the community. When you type a search
term, the system automatically searches at the current level. For example, if
you're on the community front page, the system searches the entire community.
If you're looking at a forum or blog page, the system searches that forum (and
the associated knowledge base, if any) or blog. </P>
<P>&nbsp;</P>
<P>Tip: Searches for posts always include
relevant knowledge bases. However, you can also search just in knowledge bases.
</P>
<P>&nbsp;</P>
<P>To search for posts: </P>
<P>&nbsp;</P>
<P>1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Choose the scope of the search in the drop down list to the left of the <STRONG>Search</STRONG>
button. <BR />
You can search at the current level and above in the community.</P>
<P>&nbsp;</P>
<P>2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Start typing the search term. <BR />
Auto-suggest shows the topics that match the term you're typing. <BR />
Tip: You can enter the full search term, or use an asterisk as a wildcard in
your search.</P>
<P>&nbsp;</P>
<P>3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; If
you don't see the term you're looking for in the auto-suggest list, click <STRONG>Search</STRONG>
to see the full search results. </P>
<P>When you get your search results,
you can use the filters on the left side of the page to limit the results as
needed. </P>
<P>&nbsp;</P>
<P><STRONG>How do I search for people? </STRONG></P>
<P>You can search for community members
by name or by rank. The results show you profile capsules for the users who
match your criteria. The name you search for must be at least three characters
long. </P>
<P>&nbsp;</P>
<P><IMG src="http://fico.i.lithium.com/skins/images/AFE473809F925C200628D506587455C1/base/images/image_not_found.gif" border="0" alt="howtosearch5.jpg" title="howtosearch5.jpg" align="center" /></P>
<P>&nbsp;</P>
<P>&nbsp;</P>
<P>To search for users: </P>
<P>&nbsp;</P>
<P>1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Choose <STRONG>Users</STRONG> in the drop down list to the left of the <STRONG>Search</STRONG>
button. </P>
<P>&nbsp;</P>
<P>2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Start typing the name of an individual user or the name of a rank. </P>
<P>Auto-suggest shows the names of
users who match the name you're typing. When you enter a rank, auto-suggest
lists all users who have that rank. <BR />
Tip: You can enter the full user or rank name, or use an asterisk as a wildcard
in your search. </P>
<P>&nbsp;</P>
<P>3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; If
you don't see the user you're looking for in the auto-suggest list, click <STRONG>Search</STRONG>
to see the full search results. </P>
<P>&nbsp;</P>
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<P>&nbsp;</P>Fri, 18 Mar 2011 01:50:35 GMThttp://ficoforums.myfico.com/t5/User-Guidelines-General/Tips-How-to-Search/m-p/869968#M48mod-moose2011-03-18T01:50:35ZForgot your Forums login or password?http://ficoforums.myfico.com/t5/User-Guidelines-General/Forgot-your-Forums-login-or-password/m-p/862334#M46
<P>If you have&nbsp;a&nbsp;"Forums only"&nbsp;login -- that is, you haven't provided myFICO with&nbsp;your SSN and haven't purchased from myFICO using this login -- and you've forgotten your login name&nbsp;or password,&nbsp;please send an email to CindyTa@FICO.com&nbsp;containing the following information:</P>
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<LI>your Forums screen name</LI>
<LI>your first and last name</LI>
<LI>a phone number where you can be reached</LI>
<LI>the best time for us to call you (Mon-Fri 6 AM to 6 PM; Sat 7 AM to 4PM Pacific Time)</LI>
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<P>Upon receiving your email, we'll contact you by phone at the time you specify.&nbsp; Then once we've verified your identity, you'll be able to reset your login name or password and sign in to the community.</P>
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<P>Thank you!</P>
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<P>-Barry</P>Thu, 08 Sep 2016 17:40:17 GMThttp://ficoforums.myfico.com/t5/User-Guidelines-General/Forgot-your-Forums-login-or-password/m-p/862334#M46Barry2016-09-08T17:40:17ZmyFiCO Privacyhttp://ficoforums.myfico.com/t5/User-Guidelines-General/myFiCO-Privacy/m-p/746036#M37
<P>Sometimes new members click on their profile and see all their personal information and panic that others can see this information too. Rest assure your profile settings are by default set so no one can see your private information.&nbsp; Unless you change your profile preferences in the privacy tab, no members can see your personal information.</P>
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<P>Here are the default profile settings:</P>
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<P>Show private information in profile to <STRONG>No One</STRONG></P>
<P>Show email address to <STRONG>No One</STRONG></P>
<P>Show online status to <STRONG>No One</STRONG></P>
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<P><STRONG><FONT color="#000000">We suggest that you log out and view your profile page to see what others see.</FONT></STRONG></P>Tue, 28 Sep 2010 04:51:59 GMThttp://ficoforums.myfico.com/t5/User-Guidelines-General/myFiCO-Privacy/m-p/746036#M37mod-moose2010-09-28T04:51:59ZWelcome our new Community Leaders!http://ficoforums.myfico.com/t5/User-Guidelines-General/Welcome-our-new-Community-Leaders/m-p/700025#M32
<P>Hello FICO Forums members,</P><P>&nbsp;</P><P>I’m happy to announce a new role within the FICO Forums community beginning today.&nbsp; It’s called Community Leader.</P><P>&nbsp;</P><P>Our new Community Leaders will do the following:</P><UL><LI>Welcome new members by helping them navigate through the community and by directing them to useful information as they get started here;</LI><LI>Read all new posts daily to make sure they’re posted to the appropriate thread and are following our Terms of Service and other guidelines;</LI><LI>Inform the Moderators of any need for their intervention, i.e. moving/editing/removing posts as well as providing technical or other assistance.</LI></UL><P>&nbsp;</P><P>The following Forum member has been chosen by our Moderator team as one of our Community Leaders:</P><UL><LI>laz98</LI></UL><P>&nbsp;</P><P>You’ll be able to identify a Community Leader by their ranking and star appearing under their screen name and to the right of their avatar.</P><P>&nbsp;</P><P>If any of you think you might be interested in becoming future Community Leaders, please send me a private message.&nbsp; I’ll also attempt to answer any questions about the Community Leader role here if you’d like to reply to this post.</P><P>&nbsp;</P><P>-Barry</P>Fri, 06 Apr 2012 22:23:23 GMThttp://ficoforums.myfico.com/t5/User-Guidelines-General/Welcome-our-new-Community-Leaders/m-p/700025#M32Barry2012-04-06T22:23:23Z5 Things We Don't Talk Abouthttp://ficoforums.myfico.com/t5/User-Guidelines-General/5-Things-We-Don-t-Talk-About/m-p/336929#M29
To maintain the spirit of friendliness and support that makes the FICO Forums the kind of place we've come to value, please be respectful of others by avoiding references to certain topics that might be offensive or hurtful. These topics include, but are not limited to:<BR /><BR /> * Race<BR /> * Nationality<BR /> * Sex<BR /> * Religion<BR /> * Politics<BR /><BR />Thanks for contributing positively to the FICO Forums. <img class="emoticon emoticon-smileyhappy" id="smileyhappy" src="http://fico.i.lithium.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /><BR /><BR />Message Edited by Barry on <SPAN class="date_text">09-09-2008</SPAN> <SPAN class="time_text">05:31 PM</SPAN>Wed, 10 Sep 2008 00:31:31 GMThttp://ficoforums.myfico.com/t5/User-Guidelines-General/5-Things-We-Don-t-Talk-About/m-p/336929#M29Barry2008-09-10T00:31:31ZFICO Forums Technical Helphttp://ficoforums.myfico.com/t5/User-Guidelines-General/FICO-Forums-Technical-Help/m-p/263501#M27
<DIV><A href="http://ficoforums.myfico.com/fico/board?board.id=forumsfeedback" target="_blank">FICO Forums Technical Help</A></DIV>Fri, 13 Jun 2008 01:12:41 GMThttp://ficoforums.myfico.com/t5/User-Guidelines-General/FICO-Forums-Technical-Help/m-p/263501#M27Barry2008-06-13T01:12:41ZTip: How to find your postshttp://ficoforums.myfico.com/t5/User-Guidelines-General/Tip-How-to-find-your-posts/m-p/224749#M24
Navigating these forums can be difficult at times. With the recent board restructuring, multiple threads have been moved to their new home boards. This can make finding your posts more difficult than before. Here is a tip to help you find your posts and threads.<BR /><BR />Under the header "FICO Forums", click on your name (next to "Logout" ). This will take you into your user profile.<BR /><BR /><IMG src="http://i193.photobucket.com/albums/z243/RaineExamples/profile.jpg" /><BR /><BR />At the very bottom of your profile you will see "Recent Posts by Me". Click "Find all posts by this user", and you will be taken to your post tracker. Every post you have in this community is listed here, even if it has been moved.<BR /><BR />For more fun tips, click <A href="http://ficoforums.myfico.com/fico/help_faq" target="_blank">here</A> or click on the "Help" link on the line that says Your Login Name &gt; Logout · My Profile · Dashbord · Help <BR /><BR />-- Raine<BR /><BR />Message Edited by Raine on <SPAN class="date_text">05-01-2008</SPAN> <SPAN class="time_text">09:41 AM</SPAN>Thu, 01 May 2008 16:41:19 GMThttp://ficoforums.myfico.com/t5/User-Guidelines-General/Tip-How-to-find-your-posts/m-p/224749#M24Raine2008-05-01T16:41:19ZCommon Abbreviationshttp://ficoforums.myfico.com/t5/User-Guidelines-General/Common-Abbreviations/m-p/88458#M23
<P><FONT size="4" color="#0000FF"><U>Common Abbreviations</U></FONT></P><P>&nbsp;</P><P>&nbsp;</P><P><SPAN>AA = (1) adverse action (lowered credit limits, closed cards, negative reports on credit, etc.) &nbsp;(2) American Airlines (esp. Citi AAdvantage cobranded card</SPAN><SPAN>)</SPAN></P><P>AAoA = Average Age of Accounts</P><P>AF = Annual Fee<BR />AFAIK = As far as I know</P><P>AG = Attorney General</P><P>AMEX = American Express</P><P>AOR = "App O Rama" (see App Spree)</P><P>App = apply / application<BR />App Spree = applying for several cards and/or credit lines in a short period of time</P><P><SPAN>APR = Annual Percentage Rate</SPAN></P><P><SPAN>AR = Account Review</SPAN></P><P>AU = Additional user / Authorized user&nbsp;</P><P><BR />BADDIE = Any negative or derogatory item on your report<BR />BBB = Better Business Bureau</P><P><SPAN>BC/OBC = American Express Blue Cash / "Old Blue Cash"</SPAN><BR /><SPAN>BCE = American Express Blue Cash Everyday</SPAN><BR /><SPAN>BCP = American Express Blue Cash Preferred</SPAN><BR />BK or BR = Bankruptcy</P><P>BoA = Bank of America<BR />BT = Balance Transfer<BR />BTW = By the way<BR />BUMP = Used by someone when they are looking for an answer to the thread, but have not received one yet</P><P><BR />CA = Collection Agency</P><P>Cap1 = Capital One Bank<BR />CBR - Credit Bureau Report<BR />CC = Credit Card<BR />CCC = Credit Card Company<BR />CCCS = Consumer Credit Counseling Services</P><P>CCT = Credit Check Total<BR />CFL = Consumer Finance Loan<BR />CL = Credit Limit<BR />CLD = Credit Line Decrease<BR />CLI = Credit Line Increase</P><P>CLOC = Checking Line of Credit<BR />CMRRR = Certified Mail Return Receipt Requested</P><P>CMS = Credit Management Service<BR />CO = (1) Charge Off (2) less frequently, Capital One</P><P>CR = Credit Report</P><P>CRA = Credit Reporting Agency (e.g., TransUnion, Equifax, Experian)<BR />CRO = Credit Repair Organization<BR />CRTP = Credit Reporting Time Period</P><P>CS = (1) Customer Service (2) CreditSecure</P><P><SPAN>CSP = Chase Sapphire Preferred</SPAN></P><P>CSR = (1) Customer Service Representative (1) Chase Sapphire Reserve</P><P>CU = Credit Union</P><P>&nbsp;</P><P>DC = Citibank Double Cash Card</P><P>DCU = Digital Credit Union</P><P>DD = Dear Daughter<BR />Derog = Derogatory<BR />DH = Dear Husband</P><P>DM = Dear Mother<BR />DMP = Debt Management Program<BR />DOFD = Date of First Delinquency<BR />DOLA = Date of Last Activity</P><P>DS = Dear Son<BR />DTI = Debt to Income<BR />DV = Debt Validation<BR />DW = Dear Wife</P><P>&nbsp;</P><P>ED = American Express Every Day</P><P>EDP = American Express Every Day Preferred</P><P>EE = Early Exclusion</P><P>EO = Executive Office<BR />EQ (also EFX) = Equifax</P><P>EX (also EXP, XPN) = Experian</P><P><BR />FA = Fraud Alert<BR />FAKO = Generic credit score, not a true FICO<BR />FC = Foreclosure</P><P>FCBA = Fair Credit Billing Act<BR />FCRA = Fair Credit Reporting Act<BR />FDCPA = Fair Debt Collections Practices Act<BR />FI = Fair Isaac</P><P>FICO = Fair Isaac Credit Score</P><P><SPAN>FOTM = Flavor of the month (popular new cards with uncertain staying power)</SPAN><BR />FR = Financial Review</P><P>FSR, FS&amp;R = Friendly, Supportive &amp; Respectful<BR />FTC = Federal Trade Commision</P><P>FTF = Foreign Transaction Fee</P><P>FU = Chase Freedom Unlimited</P><P>FWIW = For What It's Worth</P><P><BR /><SPAN>Gardening = Choosing NOT to apply for new lines of credit</SPAN></P><P>GC = Green Card from Certified Mail</P><P><SPAN>GECRB/GEMB = GE Capital Retail Bank/GE Money Bank (former names for Synchrony Bank).</SPAN><BR />GL = Good Luck<BR />GW = Good Will</P><P><BR />HELOC = Home Equity Line of Credit<BR />HIPAA = Health Insurance Portability and Accountability Act</P><P>HP = Hard Pull</P><P>HTH = Hope This Helps</P><P><BR />IIB = Included in Bankruptcy</P><P>IIRC = If I Recall Correctly<BR />IME = In my experience</P><P>IMHO = In My Humble Opinion<BR />IMO = In My Opinion</P><P>INQ = Inquiry<BR />ITS = Intend to Sue</P><P>&nbsp;</P><P>JCP = JCPenney<BR />JDB = Junk Debt Buyer<BR />JK = Just Kidding</P><P>JMHO = Just My Humble Opinion</P><P>JMO = Just My Opinion</P><P><BR />LOC = Line of Credit<BR />LOL = Laughing Out Loud<BR />LTV = Loan to Value</P><P>&nbsp;</P><P>MF = Monthly Fee</P><P><SPAN>MOV = Method of Validation</SPAN></P><P><BR />OC = Original Collector or Original Creditor<BR />OP = Original Poster or Original Post<BR />OT = Off Topic</P><P><BR />PC = Product Change</P><P><SPAN>PenFed = Pentagon Federal Credit Union</SPAN></P><P>PFB = Planet Feedback<BR />PFD = Pay For Delete<BR />PIF = Pay in Full<BR />PL = Personal Loan</P><P>PLCC = Private Label Credit Card (i.e., store card)</P><P>PLOC = Personal Line of Credit<BR />PM = Private Message<BR />PP = Permissible Purpose</P><P>PR = Public Record</P><P><SPAN>PRG = American Express Premier Rewards Gold</SPAN></P><P>&nbsp;</P><P><SPAN>QS = Capital One QuickSilver Credit Card</SPAN></P><P>&nbsp;</P><P>RECON = Reconsideration</P><P>RTC101T= Read the Credit 101 Thread</P><P>&nbsp;</P><P>SCT = Shopping Cart Trick; pop-up CC pre-approval&nbsp;during a&nbsp;checkout process</P><P>SD = "Sock Drawer" = Where you put CC's that you won't be using for a while</P><P>SL = (1) Starting Limit (2) less frequently, Spending Limit</P><P>SO = Significant Other</P><P>SOL = Statute of limitations<BR />SP = Soft Pull</P><P><SPAN>Subprime = less desirable; usually used to reference store cards or cards designed for lower credit scores</SPAN></P><P>SW = ScoreWatch</P><P>SYNC/SYNCB = Synchrony Bank, formerly GE Capital Retail Bank</P><P><BR />TC = TrueCredit<BR />TD = Turned Down<BR />TL = Tradeline.. An entry in your credit history.</P><P>TOS = Terms of Service</P><P>TTT = To The Top (Same effect as BUMP)<BR />TU = TransUnion</P><P>&nbsp;</P><P><SPAN>USAA = United Services Automobile Association (provides banking, credit, &amp; insurance to present &amp; former US soldiers and their families)</SPAN><BR />UTL, UTIL&nbsp;= Utilization of debt to credit line</P><P>UW = Underwriter&nbsp;<SPAN>(someone who makes decisions regarding lending to customers)</SPAN></P><P>&nbsp;</P><P><SPAN>VS = (1) Visa Signature (a level of benefits provided on a Visa card higher than Classic or Platinum but below Infinite); (2) Victoria's Secret (popular SCT CC choice)&nbsp;</SPAN></P><P><BR /><SPAN>WEMC = World Elite MasterCard (the highest level of MasterCard features, benefits similar to Visa Signature)</SPAN><BR /><SPAN>WMC = World MasterCard (offers special features from MasterCard, but not quite as many as World Elite)</SPAN></P><P>WO = Write Off</P><P>&nbsp;</P><P>YEMV = Your Experience May Vary<BR />YMMV = Your Mileage May Vary</P><DIV class="message-edit-history">&nbsp;</DIV>Thu, 15 Sep 2016 23:02:17 GMThttp://ficoforums.myfico.com/t5/User-Guidelines-General/Common-Abbreviations/m-p/88458#M23Barry2016-09-15T23:02:17ZFICO FORUMS CREDIT REPAIR DISCUSSION GUIDELINEShttp://ficoforums.myfico.com/t5/User-Guidelines-General/FICO-FORUMS-CREDIT-REPAIR-DISCUSSION-GUIDELINES/m-p/7261#M21
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<P class="MsoNormal" style="MARGIN: 0in 0in 0pt; TEXT-ALIGN: justify" align="center"><SPAN style="COLOR: #444444; FONT-FAMILY: Arial"><STRONG>FICO FORUMS CREDIT REPAIR DISCUSSION GUIDELINES</STRONG></SPAN></P></BLOCKQUOTE>
<P class="MsoNormal" style="MARGIN: 0in 0in 0pt; TEXT-ALIGN: justify"><SPAN style="COLOR: #444444; FONT-FAMILY: Arial">Dear FICO Forums Community,<NAMESPACE prefix="o" ns="urn:schemas-microsoft-com:office:office"></NAMESPACE><P></P></SPAN></P>
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<P class="MsoNormal" style="MARGIN: 0in 0in 0pt; TEXT-ALIGN: justify; tab-stops: list .5in"><SPAN style="COLOR: black; FONT-FAMILY: Arial">Welcome to the FICO Forums!<P></P></SPAN></P>
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<P class="MsoNormal" style="MARGIN: 0in 0in 0pt; TEXT-ALIGN: justify"><SPAN style="COLOR: #444444; FONT-FAMILY: Arial">What we offer here is a lot of great advice by folks who have been there and done that when it comes to experiencing the ups and downs of real life in the world of credit -- and want to share what they’ve learned about what helps and hurts your FICO score.</SPAN></P>
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<DIV>Please note that Fair Isaac and myFICO are not credit repair organizations or similarly regulated organizations governed by the federal Credit Repair Organizations Act or similar state laws.</DIV>
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<DIV>Fair Isaac and myFICO do not provide so-called "credit repair" services or advice or give assistance regarding "cleaning up" or "improving" your credit record, credit history, or credit rating.</DIV></P></SPAN>
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<P class="MsoNormal" style="MARGIN: 0in 0in 0pt; TEXT-ALIGN: justify"><SPAN style="COLOR: #444444; FONT-FAMILY: Arial">The&nbsp;only credit repair discussions&nbsp;allowed in FICO Forums&nbsp;are ones that exchange information on how&nbsp;to correct or remove <I style="mso-bidi-font-style: normal">real errors </I>from your credit report – not accurate information that you want to get rid of because it may be negatively affecting your credit score.</SPAN></P>
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<P class="MsoNormal" style="MARGIN: 0in 0in 0pt; TEXT-ALIGN: justify"><SPAN style="COLOR: #444444; FONT-FAMILY: Arial">Additionally, we cannot&nbsp;allow postings that include the promotion of&nbsp;any credit repair&nbsp;organization or the posting of links to web sites that promote any credit repair actions&nbsp;that are not allowed in these Forums.</SPAN><SPAN style="FONT-SIZE: 9pt; COLOR: #444444; FONT-FAMILY: Arial"><P></P></SPAN></P>
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<P class="MsoNormal" style="MARGIN: 0in 0in 0pt; TEXT-ALIGN: justify"><SPAN style="COLOR: #444444; FONT-FAMILY: Arial">When posting, please follow our</SPAN><SPAN style="FONT-SIZE: 9pt; COLOR: #444444; FONT-FAMILY: Arial">&nbsp;</SPAN><B style="mso-bidi-font-weight: normal"><SPAN style="COLOR: #444444; FONT-FAMILY: Arial"><A href="http://ficoforums.myfico.com/fico/board/message?board.id=Welcome&amp;thread.id=3" target="_blank"><SPAN style="COLOR: #004696">User Guidelines</SPAN></A></SPAN></B><SPAN style="COLOR: #444444; FONT-FAMILY: Arial">:</SPAN></P>
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<P class="MsoNormal" style="MARGIN: 0in 0in 0pt; TEXT-ALIGN: justify"><B><SPAN style="COLOR: #004696; FONT-FAMILY: Arial"><A href="http://ficoforums.myfico.com/fico/board/message?board.id=Welcome&amp;thread.id=3" target="_blank"><SPAN style="COLOR: #004696">Credit Repair</SPAN></A></SPAN></B><SPAN style="COLOR: #444444; FONT-FAMILY: Arial"><P></P></SPAN></P>
<P class="MsoNormal" style="MARGIN: 0in 0in 0pt; TEXT-ALIGN: justify"><B><SPAN style="COLOR: black; FONT-FAMILY: Arial">FICO Forums is intended to provide helpful and useful tips for managing credit and understanding FICO scoring.<SPAN style="mso-spacerun: yes">&nbsp; </SPAN>This is not the place to exchange “credit repair” advice that encourages consumers to provide untrue or misleading information to a credit bureau or lender for the purpose of raising FICO scores or otherwise improving credit ratings, credit histories or credit records. Such material may be edited or removed, and egregious or repeat offenders will be banned from future participation in FICO Forums.</SPAN></B><SPAN style="COLOR: #444444"><P></P></SPAN></P></BLOCKQUOTE>
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<P class="MsoNormal" style="MARGIN: 0in 0in 0pt; TEXT-ALIGN: justify"><SPAN style="COLOR: black; FONT-FAMILY: Arial">And please observe&nbsp;our <B style="mso-bidi-font-weight: normal"><A href="http://ficoforums.myfico.com/fico/board/message?board.id=Welcome&amp;thread.id=2" target="_blank"><SPAN style="COLOR: #004696">Terms of Service</SPAN></A></B>:</SPAN></P>
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<P class="MsoNormal" style="MARGIN: 0in 0in 0pt; TEXT-ALIGN: justify"><B><SPAN style="COLOR: #444444; FONT-FAMILY: Arial"><A href="http://ficoforums.myfico.com/fico/board/message?board.id=Welcome&amp;thread.id=2" target="_blank"><SPAN style="COLOR: #004696">Posting to FICO Forums</SPAN></A></SPAN><SPAN style="COLOR: #444444"><P></P></SPAN></B></P>
<P class="MsoNormal" style="MARGIN: 0in 0in 0pt; TEXT-ALIGN: justify"><B><SPAN style="COLOR: #444444; FONT-FAMILY: Arial">Users of FICO Forums agree not to upload, post, or otherwise transmit any content (including but not limited to text, links, communications, software, images, sounds, data, or other information) that includes any of the following inappropriate content:</SPAN></B></P></BLOCKQUOTE></FONT><B><SPAN style="COLOR: #444444"><FONT face="Times New Roman"><FONT color="#3333ff">&nbsp;</FONT></FONT></SPAN></B><P></P>
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<P class="MsoNormal" style="MARGIN: 0in 0in 0pt; TEXT-ALIGN: justify; tab-stops: list .5in"><SPAN style="COLOR: black; FONT-FAMILY: Arial"><FONT size="3">Thanks for following these guidelines!</FONT></SPAN></P></DIV></DIV><BR /><BR />Message Edited by Barry on <SPAN class="date_text">09-02-2008</SPAN> <SPAN class="time_text">11:25 AM</SPAN>Tue, 02 Sep 2008 18:25:27 GMThttp://ficoforums.myfico.com/t5/User-Guidelines-General/FICO-FORUMS-CREDIT-REPAIR-DISCUSSION-GUIDELINES/m-p/7261#M21Barry2008-09-02T18:25:27ZWelcome to the myFICO® Forumshttp://ficoforums.myfico.com/t5/User-Guidelines-General/Welcome-to-the-myFICO-Forums/m-p/10#M5
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<P class="MsoNormal" style="margin: 0in 0in 0pt;" align="center"><FONT color="#000000"><SPAN style="font-size: 11pt; font-family: Arial;"><SPAN style="font-size: 14pt; font-family: Arial;"><FONT color="#000000"><STRONG>Welcome to the myFICO</STRONG><SPAN style="font-size: 10pt; font-family: Arial;">®&nbsp;</SPAN><STRONG>Forums</STRONG></FONT></SPAN></SPAN></FONT></P>
<P class="MsoNormal" style="margin: 0in 0in 0pt;" align="center">&nbsp;</P>
<P class="MsoNormal" style="margin: 0in 0in 0pt;"><FONT color="#000000"><SPAN style="font-size: 11pt; font-family: Arial;">myFICO</SPAN><SPAN style="font-size: 10pt; font-family: Arial;">® </SPAN><SPAN style="font-size: 11pt; font-family: Arial;">provides the myFICO<SPAN style="font-size: 10pt; font-family: Arial;">®&nbsp;</SPAN>Forums as an educational and entertaining platform for&nbsp;people to share their credit knowledge and personal financial experiences&nbsp;with other members of this online community.</SPAN></FONT></P>
<P class="MsoNormal" style="margin: 0in 0in 0pt;">&nbsp;</P>
<P class="MsoNormal" style="margin: 0in 0in 0pt;"><FONT color="#000000"><SPAN style="font-size: 11pt; font-family: Arial;">myFICO&nbsp;encourages you to visit the myFICO Forums often to read and participate in discussions about such credit&nbsp;and personal finance&nbsp;concerns&nbsp;as:</SPAN></FONT></P>
<UL>
<LI>
<DIV class="MsoNormal" style="margin: 0in 0in 0pt;"><FONT color="#000000"><SPAN style="font-size: 11pt; font-family: Arial;">Understanding FICO credit scoring</SPAN></FONT></DIV>
</LI>
<LI>
<DIV class="MsoNormal" style="margin: 0in 0in 0pt;"><FONT color="#000000"><SPAN style="font-size: 11pt; font-family: Arial;">Using myFICO products</SPAN></FONT></DIV>
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<LI>
<DIV class="MsoNormal" style="margin: 0in 0in 0pt;"><FONT color="#000000"><SPAN style="font-size: 11pt; font-family: Arial;">Credit reporting</SPAN></FONT></DIV>
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<DIV class="MsoNormal" style="margin: 0in 0in 0pt;"><FONT color="#000000"><SPAN style="font-size: 11pt; font-family: Arial;">Applying for credit</SPAN></FONT></DIV>
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<DIV class="MsoNormal" style="margin: 0in 0in 0pt;"><FONT color="#000000"><SPAN style="font-size: 11pt; font-family: Arial;">Resolving financial difficulties</SPAN></FONT></DIV>
</LI>
</UL>
<P class="MsoNormal" style="margin: 0in 0in 0pt;"><FONT color="#000000"><SPAN style="font-size: 11pt; font-family: Arial;">We at myFICO&nbsp;believe&nbsp;that through credit education and by taking greater individual control of personal finances, people are better able to achieve the financial goals that will help to enrich and fulfill their lives.</SPAN></FONT></P>
<P class="MsoNormal" style="margin: 0in 0in 0pt;">&nbsp;</P>
<P class="MsoNormal" style="margin: 0in 0in 0pt;"><FONT color="#000000"><SPAN style="font-size: 11pt; font-family: Arial;">We hope you enjoy the myFICO Forums!</SPAN></FONT></P>
<P class="MsoNormal" style="margin: 0in 0in 0pt;">&nbsp;</P>
<P class="MsoNormal" style="margin: 0in 0in 0pt;"><FONT color="#000000"><SPAN style="font-size: 11pt; font-family: Arial;">-The myFICO Team</SPAN></FONT></P>
</DIV>
<P><BR /><BR />Message Edited by Barry on <SPAN class="date_text">05-10-2007</SPAN> <SPAN class="time_text">08:52 AM</SPAN></P>Tue, 18 Dec 2012 00:03:53 GMThttp://ficoforums.myfico.com/t5/User-Guidelines-General/Welcome-to-the-myFICO-Forums/m-p/10#M5Barry2012-12-18T00:03:53ZmyFICO® Forums User Guidelineshttp://ficoforums.myfico.com/t5/User-Guidelines-General/myFICO-Forums-User-Guidelines/m-p/5#M3
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<P class="MsoNormal" style="margin: 0in 0in 0pt;" align="center"><STRONG style="mso-bidi-font-weight: normal;"><SPAN style="font-size: 18pt; font-family: Arial;"><FONT color="#000000">myFICO® Forums User Guidelines</FONT></SPAN></STRONG></P>
<P class="MsoNormal" style="margin: 0in 0in 0pt;"><FONT face="Times New Roman" size="3" color="#000000">&nbsp;</FONT></P>
<P class="MsoNormal" style="margin: 0in 0in 0pt;"><STRONG style="mso-bidi-font-weight: normal;"><SPAN style="font-size: 14pt; font-family: Arial;"><FONT color="#000000">Our Mission</FONT></SPAN></STRONG></P>
<P class="MsoNormal" style="margin: 0in 0in 0pt;"><FONT color="#000000"><SPAN style="font-size: 11pt; font-family: Arial;">myFICO</SPAN><SPAN style="font-size: 10pt; font-family: Arial;">® </SPAN><SPAN style="font-size: 11pt; font-family: Arial;">provides the myFICO Forums as an educational and entertaining platform for U.S. consumers to share their credit knowledge and credit-related personal experiences with other members of this online consumer community.<SPAN style="mso-spacerun: yes;">&nbsp; </SPAN>We encourage you to visit the myFICO Forums often to read and participate in discussions about such credit issues as FICO credit scoring, credit bureau reporting, applying for credit, resolving financial difficulties, and other topics of interest to this community.<SPAN style="mso-spacerun: yes;">&nbsp; </SPAN>It is our belief that through credit education and taking greater individual control of personal finances, consumers are better able to achieve the financial goals that will help to enrich and fulfill their lives. We hope you enjoy the myFICO Forums!</SPAN></FONT></P>
<P class="MsoNormal" style="margin: 0in 0in 0pt;"><FONT face="Times New Roman" size="3" color="#000000">&nbsp;</FONT></P>
<P class="MsoNormal" style="margin: 0in 0in 0pt;"><STRONG style="mso-bidi-font-weight: normal;"><SPAN style="font-size: 14pt; font-family: Arial;"><FONT color="#000000">Welcome to myFICO Forums</FONT></SPAN></STRONG></P>
<P class="MsoNormal" style="margin: 0in 0in 0pt;"><SPAN style="font-size: 11pt; font-family: Arial;"><FONT color="#000000">To ensure that the myFICO Forums remains useful and enjoyable for all online community members, upon registering you will be expected to observe the following the myFICO Forums User Guidelines:</FONT></SPAN></P>
<P class="MsoNormal" style="margin: 0in 0in 0pt;"><FONT face="Times New Roman" size="3" color="#000000">&nbsp;</FONT></P>
<P class="MsoNormal" style="margin: 0in 0in 0pt;"><STRONG style="mso-bidi-font-weight: normal;"><SPAN style="font-family: Arial;"><FONT size="3"><FONT color="#000000">Questions about myFICO Forums</FONT></FONT></SPAN></STRONG></P>
<P class="MsoNormal" style="margin: 0in 0in 0pt;"><SPAN style="font-size: 11pt; font-family: Arial;"><FONT color="#000000">New myFICO Forums participants with questions about posting to the message boards are encouraged to read our </FONT><A href="http://ficoforums.myfico.com/fico/help_faq" target="_blank">FAQs</A><FONT color="#000000"> or simply post a message and a community member or Moderator will be glad to help.</FONT></SPAN></P>
<P class="MsoNormal" style="margin: 0in 0in 0pt;"><FONT face="Times New Roman" size="3" color="#000000">&nbsp;</FONT></P>
<P class="MsoNormal" style="margin: 0in 0in 0pt;"><STRONG style="mso-bidi-font-weight: normal;"><SPAN style="font-family: Arial;"><FONT size="3"><FONT color="#000000">Registration and privacy</FONT></FONT></SPAN></STRONG></P>
<P class="MsoNormal" style="margin: 0in 0in 0pt;"><SPAN style="font-size: 11pt; font-family: Arial;"><FONT color="#000000">While no registration is required to view the forums, participants wishing to post a message must register by creating an account with myFICO.com.<SPAN style="mso-spacerun: yes;">&nbsp; </SPAN>The personal information provided by myFICO Forums participants as part of this registration process is governed by </FONT><A href="http://ficoforums.myfico.com/fico/board/message?board.id=Welcome&amp;thread.id=2" target="_blank"><SPAN style="color: windowtext; text-decoration: none; text-underline: none;">our my</SPAN>FICO Forums Terms of Service</A><FONT color="#000000">, </FONT><A href="http://www.myfico.com/Policy/PrivacyPolicy.aspx" target="_blank">myFICO Privacy Policy</A><FONT color="#000000"> and </FONT><A href="http://www.myfico.com/Policy/TermsOfUse.aspx" target="_blank">myFICO Terms of Use</A><FONT color="#000000">.<SPAN style="mso-spacerun: yes;">&nbsp; </SPAN>This personal information is not shared with third parties unrelated to myFICO for use for their own marketing purposes without the participant’s consent.</FONT></SPAN></P>
<P class="MsoNormal" style="margin: 0in 0in 0pt;"><FONT face="Times New Roman" size="3" color="#000000">&nbsp;</FONT></P>
<P class="MsoNormal" style="margin: 0in 0in 0pt;"><STRONG style="mso-bidi-font-weight: normal;"><SPAN style="font-family: Arial;"><FONT size="3"><FONT color="#000000">Ideas, opinions, and viewpoints of participants</FONT></FONT></SPAN></STRONG></P>
<P class="MsoNormal" style="margin: 0in 0in 0pt;"><SPAN style="font-size: 11pt; font-family: Arial;"><FONT color="#000000">The ideas, opinions, and viewpoints expressed in myFICO Forums belong solely to its participants.<SPAN style="mso-spacerun: yes;">&nbsp; </SPAN>Fair Isaac Corporation does not necessarily agree or disagree with, or in any way endorse comments posted to these forums; nor is myFICO responsible for the accuracy of the content of the forums or liable for any damages resulting from following recommendations posted by community members on myFICO Forums.</FONT></SPAN></P>
<P class="MsoNormal" style="margin: 0in 0in 0pt;"><FONT face="Times New Roman" size="3" color="#000000">&nbsp;</FONT></P>
<P class="MsoNormal" style="margin: 0in 0in 0pt;"><STRONG style="mso-bidi-font-weight: normal;"><SPAN style="font-family: Arial;"><FONT size="3"><FONT color="#000000">Inappropriate material</FONT></FONT></SPAN></STRONG></P>
<P class="MsoNormal" style="margin: 0in 0in 0pt;"><SPAN style="font-size: 11pt; font-family: Arial;"><FONT color="#000000">In the spirit of a healthy and helpful community, profanity, spam, personal attacks, flaming, and other inappropriate postings are not tolerated.<SPAN style="mso-spacerun: yes;">&nbsp; </SPAN>Such material may be edited or removed, and egregious or repeat offenders will be banned from future participation in myFICO Forums.</FONT></SPAN></P>
<P class="MsoNormal" style="margin: 0in 0in 0pt;"><FONT face="Times New Roman" size="3" color="#000000">&nbsp;</FONT></P>
<P class="MsoNormal" style="margin: 0in 0in 0pt;"><FONT size="3"><FONT color="#000000"><STRONG style="mso-bidi-font-weight: normal;"><SPAN style="font-family: Arial;">Credit Repair</SPAN></STRONG></FONT></FONT></P>
<P class="MsoNormal" style="margin: 0in 0in 0pt;"><SPAN style="font-size: 11pt; font-family: Arial;"><FONT color="#000000">myFICO Forums is intended to provide helpful and useful tips for managing credit and understanding FICO scoring.<SPAN style="mso-spacerun: yes;">&nbsp; </SPAN>This is not the place to exchange ‘credit repair’ advice that encourages consumers to provide untrue or misleading information to a credit bureau or lender for the purpose of raising FICO scores or otherwise improving credit ratings, credit histories or credit records. Such material may be edited or removed, and egregious or repeat offenders will be banned from future participation in myFICO Forums.</FONT></SPAN></P>
<P class="MsoNormal" style="margin: 0in 0in 0pt;"><FONT face="Times New Roman" size="3" color="#000000">&nbsp;</FONT></P>
<P class="MsoNormal" style="margin: 0in 0in 0pt;"><STRONG><SPAN style="font-family: Arial;"><FONT size="3"><FONT color="#000000">Moderators</FONT></FONT></SPAN></STRONG></P>
<P class="MsoNormal" style="margin: 0in 0in 0pt;"><SPAN style="font-size: 11pt; font-family: Arial;"><FONT color="#000000">myFICO may monitor postings to myFICO Forums for the purpose of maintaining an orderly arrangement of the information being shared and ensuring that community members adhere to the myFICO Forums User Guidelines.&nbsp; This monitoring is carried out by individuals designated as “Moderators” by myFICO and identified in the community by the “Moderator” title.&nbsp; Moderators can also answer questions related to the forum software, myFICO Forums User Guidelines, or other matters to help users have a successful and productive experience in the myFICO Forums.&nbsp;</FONT></SPAN></P>
<P class="MsoNormal" style="margin: 0in 0in 0pt;"><SPAN style="font-size: 11pt; font-family: Arial;"><FONT color="#000000">&nbsp;</FONT></SPAN></P>
<P class="MsoNormal" style="margin: 0in 0in 0pt;"><STRONG style="mso-bidi-font-weight: normal;"><SPAN style="font-family: Arial;"><FONT size="3"><FONT color="#000000">Failure to comply with guidelines</FONT></FONT></SPAN></STRONG></P>
<P class="MsoNormal" style="margin: 0in 0in 0pt;"><SPAN style="font-size: 11pt; font-family: Arial;"><FONT color="#000000">Privileges to participate in myFICO Forums may be terminated by myFICO immediately and without notice for failure to comply with any myFICO Forums User Guidelines</FONT><FONT color="#000000"> or </FONT><A href="http://www.myfico.com/Policy/TermsOfUse.aspx" target="_blank">myFICO Terms of Use</A><FONT color="#000000">.</FONT></SPAN></P>
<P class="MsoNormal" style="margin: 0in 0in 0pt;"><FONT face="Times New Roman" size="3" color="#000000">&nbsp;</FONT></P>
<P class="MsoNormal" style="margin: 0in 0in 0pt;"><STRONG style="mso-bidi-font-weight: normal;"><SPAN style="font-family: Arial;"><FONT size="3"><FONT color="#000000">Disclaimer of warranties and limitation of liability</FONT></FONT></SPAN></STRONG></P>
<P class="MsoNormal" style="margin: 0in 0in 0pt;"><SPAN style="font-size: 11pt; font-family: Arial;"><FONT color="#000000">Most of the material in myFICO Forums is posted by third-party participants.<SPAN style="mso-spacerun: yes;">&nbsp; </SPAN>Such content is the sole responsibility of the originator of the material.<SPAN style="mso-spacerun: yes;">&nbsp; </SPAN>myFICO is not responsible for this third-party material; nor does it warrant or guarantee the accuracy, reliability, completeness, usefulness, non-infringement on intellectual property rights, or quality of any material that appears in myFICO Forums, regardless of who originates the material.<SPAN style="mso-spacerun: yes;">&nbsp; </SPAN>Participants understand and agree to bear all risks associated with using or relying on the material.<SPAN style="mso-spacerun: yes;">&nbsp; </SPAN>myFICO will not be liable or responsible in any way for any content in the myFICO Forums, including, but not limited to, any errors or omissions in the material, or for any losses or damage of any kind incurred as a result of the use of or reliance on any such material.<SPAN style="mso-spacerun: yes;">&nbsp; </SPAN>This disclaimer and limitation on liability is in addition to the disclaimers and limitations contained in my</FONT><A href="http://ficoforums.myfico.com/fico/board/message?board.id=Welcome&amp;thread.id=2" target="_blank">FICO Forums Terms of Service</A><FONT color="#000000"> and </FONT><A href="http://www.myfico.com/Policy/TermsOfUse.aspx" target="_blank">myFICO Terms of Use</A><FONT color="#000000">.</FONT></SPAN></P>
</DIV>
<P><BR /><BR />Message Edited by Barry on <SPAN class="date_text">03-04-2007</SPAN> <SPAN class="time_text">03:40 AM</SPAN></P>Tue, 18 Dec 2012 00:08:01 GMThttp://ficoforums.myfico.com/t5/User-Guidelines-General/myFICO-Forums-User-Guidelines/m-p/5#M3Barry2012-12-18T00:08:01ZmyFICO® Forums Terms of Servicehttp://ficoforums.myfico.com/t5/User-Guidelines-General/myFICO-Forums-Terms-of-Service/m-p/4#M2
<P align="center"><STRONG>myFICO® Forums Terms of Service</STRONG></P>
<P align="center">&nbsp;</P>
<P><STRONG>Your use of FICO® Forums [“FICO Forums”] is governed by these FICO® Forums Terms of Service, together with the </STRONG><STRONG><A href="http://www.myfico.com/Policy/PrivacyPolicy.aspx" target="_blank">myFICO® Privacy Policy</A> and <A href="http://www.myfico.com/Policy/TermsOfUse.aspx" target="_blank">myFICO® Terms of Use</A> [collectively, the "Terms"]. The Terms describe the permitted and prohibited uses of FICO Forums, among other things. Your access or use of FICO Forums evidences your acceptance of the then-current version of the Terms, and any related rules and guidelines posted on the myFICO web site [the “Site”].</STRONG></P>
<P>&nbsp;</P>
<P><STRONG>myFICO reserves the right to modify the Terms at any time, effective upon posting of the modified Terms on FICO Forums or, in the case of the </STRONG><STRONG><A href="http://www.myfico.com/Policy/PrivacyPolicy.aspx" target="_blank">myFICO® Privacy Policy</A> or the <A href="http://www.myfico.com/Policy/TermsOfUse.aspx" target="_blank">myFICO® Terms of Use</A>, on any other myFICO sponsored Web site. myFICO also reserves the right to apply, waive, or modify these Terms as they apply to a specific posting and user without affecting the application of these Terms to all other postings and users.</STRONG></P>
<P>&nbsp;</P>
<P><STRONG>"Posting" means, but is not limited to, any text, links, images, communications, opinions, software, data, and any other content any person provides on FICO Forums, including, but not limited to message boards, chats, blogs, or otherwise. Your use of FICO Forums, or any materials or services accessible through it, after a Posting or notification regarding modifications to the Terms constitutes your acceptance of those modifications. Your violation of any of the Terms may result in the suspension or termination of your access or use of FICO Forums.</STRONG></P>
<P>&nbsp;</P>
<P><STRONG>Using FICO Forums</STRONG></P>
<P><STRONG>FICO Forums is intended to provide consumers with the opportunity to exchange useful and helpful information. myFICO does not read or review every posting; however, we may edit or remove any posting we consider, in our sole discretion, to violate the Terms or be inappropriate for FICO Forums for any reason. </STRONG></P>
<P>&nbsp;</P>
<P><STRONG>Appropriate Conduct</STRONG></P>
<P><STRONG>Users of FICO Forums are responsible for exercising careful and appropriate judgment in evaluating and taking action based on other participants' postings on FICO Forums, since such postings may reflect significantly different levels of knowledge and experience by participants. Users of FICO Forums agree that myFICO is not responsible for the accuracy of the content of FICO Forums and will not be liable for any damages incurred as a result of their use of any such content. Participants may post hypertext links to content hosted and maintained by third parties. myFICO has no obligation to monitor these linked sites, and is not responsible for them. Accessing any such linked sites is done entirely at the user’s own risk.</STRONG></P>
<P>&nbsp;</P>
<P><STRONG>Posting to FICO Forums</STRONG></P>
<P><STRONG>Users of FICO Forums agree not to upload, post, or otherwise transmit any content (including but not limited to text, links, communications, software, images, sounds, data, or other information) that includes any of the following inappropriate content:</STRONG></P>
<P><STRONG>&nbsp;</STRONG></P>
<UL>
<LI><STRONG>Discussions including race, nationality, sex, religion, politics;</STRONG></LI>
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<P>&nbsp;</P>
<UL>
<LI><STRONG>Any personal information belonging either to the poster or another person not considered a "public figure", including, but not limited to,&nbsp;full name, address, phone number, email address, social media accounts (Facebook, Linkedin, etc.);</STRONG></LI>
</UL>
<P>&nbsp;</P>
<UL>
<LI><STRONG>Promotion of a credit repair organization, as defined in the federal Credit Repair Organizations Act or similar state laws, or the services of such an organization; </STRONG></LI>
</UL>
<P>&nbsp;</P>
<UL>
<LI><STRONG>Spam, such as advertisements for other web sites and services, or other solicitation; chain letters, pyramid schemes, or securities offerings</STRONG></LI>
</UL>
<P>&nbsp;</P>
<UL>
<LI><STRONG>Profanity; material that is libelous, fraudulent, unlawful, defamatory, pornographic, obscene, profane, abusive, offensive, threatening, hateful, or otherwise objectionable;</STRONG></LI>
</UL>
<P>&nbsp;</P>
<UL>
<LI><STRONG>Discussion of illegal or unethical activities or providing links to other websites containing such information;</STRONG></LI>
</UL>
<P>&nbsp;</P>
<UL>
<LI><STRONG>Posting a link to the poster’s personal blog or web site without explicit permission from a FICO Forums administrator;</STRONG></LI>
</UL>
<P>&nbsp;</P>
<UL>
<LI><STRONG>Posting a link directing users to any information or content that, if posted on FICO Forums, would constitute a violation of the Terms or of any State or Federal law;</STRONG></LI>
</UL>
<P>&nbsp;</P>
<UL>
<LI><STRONG>Material, the posting of which violates any party’s copyright or other intellectual property rights;</STRONG></LI>
</UL>
<P>&nbsp;</P>
<UL>
<LI><STRONG>Posting, publishing, uploading, reproducing, transmitting or distributing in any way any content belonging to myFICO, or derivative works with respect thereto;</STRONG></LI>
</UL>
<P>&nbsp;</P>
<UL>
<LI><STRONG>Posting or transmitting any information or software containing a virus, worm, Trojan horse, or other damaging or destructive component;</STRONG></LI>
</UL>
<P>&nbsp;</P>
<UL>
<LI><STRONG>"Bombing” FICO Forums or individual threads with repetitive or meaningless postings, postings unrelated to the purpose of FICO Forums, excessive cross-posting;</STRONG></LI>
</UL>
<P>&nbsp;</P>
<UL>
<LI><STRONG>Attacks, including “Flaming” another user or entity in such a way as to incite or perpetuate an argument or conflict; creating usernames to attack other users’ identities; impersonating other individuals or falsely representing one’s identity or qualifications; posts made under secondary user names or other aliases for the purpose of either endorsing or denigrating others; posts that breach any participant’s privacy by including name, address, phone, email address, or any other identifying information.</STRONG></LI>
</UL>
<UL>
<LI><STRONG><STRONG>Discussion of moderator decisions or actions, or about the work of moderators, unless a moderator has invited members to post feedback in a particular thread. If you need to comment on a moderator action, please send a private message to any administrator or moderator.&nbsp;</STRONG></STRONG></LI>
</UL>
<P>&nbsp;</P>
<P><STRONG>Registration Requirements</STRONG></P>
<P><STRONG>While registration is not required to read postings on FICO Forums, users must register an account with myFICO in order to post to FICO Forums. <BR /></STRONG></P>
<P><STRONG>myFICO may refuse to grant you, and you may not use, a user name that is already being used by someone else, belongs to or impersonates another person, violates the intellectual property or other rights of any person (including but not limited to trademark rights), is offensive, or that myFICO rejects for any other reason in its sole discretion. Participants agree that all information provided in a profile is accurate, up to date, and complete, and that it will be kept updated. myFICO may terminate your account if any of the information provided is found to be inaccurate, out of date, or incomplete.</STRONG></P>
<P>&nbsp;</P>
<P><STRONG>Privacy Concerns</STRONG></P>
<P><STRONG>myFICO strongly discourages users from posting personally identifiable information on FICO Forums. Any information posted on FICO Forums is at the user’s own risk. &nbsp;myFICO respects and protects the privacy of our customers and those who use our Web sites, and the </STRONG><STRONG><A href="http://www.myfico.com/Policy/PrivacyPolicy.aspx" target="_blank">myFICO® Privacy Policy</A> provides details of our approach to privacy and how we collect, use and protect personal information. But information posted on FICO Forums is not protected and can be easily obtained and used by others.</STRONG></P>
<P>&nbsp;</P>
<P><STRONG>Moderators</STRONG></P>
<P><STRONG>myFICO reserves the right to manage the postings on FICO Forums to provide an orderly presentation of this information. To effectively manage FICO Forums, myFICO may designate employees to act as moderators and administrators for FICO Forums [“Moderators”]. These Moderators are the only representatives of myFICO authorized to manage FICO Forums. Any myFICO employees who are not designated as Moderators are not authorized to represent themselves on FICO Forums as myFICO employees. myFICO is not responsible for content provided by any myFICO employee who is not designated as a Moderator.</STRONG></P>
<P>&nbsp;</P>
<P><STRONG>Community Monitoring</STRONG></P>
<P><STRONG>Users are asked to help myFICO keep FICO Forums a valuable and enjoyable information resource for all participants by notifying us of any offending messages or other violations of these Terms. To advise us of such a posting, click the confidential “Report Abuse to a Moderator” link on the applicable post. Repeat offenders will be contacted by email and eventually banned from FICO Forums. If violations are egregious in nature, we will contact the appropriate authorities.</STRONG></P>
<P>&nbsp;</P>
<P><STRONG>Modification and discontinuance of FICO Forums</STRONG></P>
<P><STRONG>myFICO reserves the right at any time to delete, modify, suspend, or discontinue, temporarily or permanently, FICO Forums (or any part of FICO Forums, including any postings) with or without notice. Users agree that myFICO will not be liable to users or third parties for any modification, suspension, or discontinuance of FICO Forums.</STRONG></P>
<P>&nbsp;</P>
<P><STRONG>Termination</STRONG></P>
<P><STRONG>A user’s privilege to utilize or access FICO Forums may be terminated by myFICO immediately and without notice if the user fails to comply with any term or condition of the Terms. Upon such termination, the user must immediately cease accessing or utilizing FICO Forums and agree not to re-register or otherwise make use of FICO Forums. Furthermore, the user acknowledges that myFICO reserves the right to take action -- technical, legal, or otherwise -- to block, nullify, or deny the user’s ability to access FICO Forums. The user understands that myFICO may exercise this right in its sole discretion.</STRONG></P>
<P>&nbsp;</P>
<P><STRONG>Disclaimer of Warranties and Limitation of Liability</STRONG></P>
<P><STRONG>MOST OF THE CONTENT POSTED TO FICO FORUMS IS PROVIDED BY THIRD PARTIES NOT AFFILIATED WITH MYFICO. THIRD-PARTY CONTENT IS THE SOLE RESPONSIBILITY OF THE PERSON ORIGINATING THAT CONTENT. THE USER AGREES THAT MYFICO DOES NOT CONTROL, AND IS NOT RESPONSIBLE IN ANY WAY FOR, THIS THIRD-PARTY CONTENT. ADDITIONALLY, THE USER AGREES THAT MYFICO IS NOT LIABLE FOR, AND THE USER SHALL INDEMNIFY AND HOLD MYFICO, AND ITS SUBSIDIARIES, AFFILIATES, OFFICERS, AGENTS, AND EMPLOYEES HARMLESS FROM ANY CLAIM, INCLUDING REASONABLE ATTORNEYS' FEES, MADE BY ANY THIRD PARTY RELATING TO OR ARISING OUT OF CONTENT SUBMITTED, POSTED, TRANSMITTED, OR MADE AVAILABLE THROUGH FICO FORUMS, USE OF FICO FORUMS, VIOLATION OF THE TERMS OR VIOLATION OF ANY RIGHTS OF ANOTHER. THE CONTENT ON FICO FORUMS IS "AS IS" AND CARRIES NO WARRANTIES. MYFICO DOES NOT WARRANT OR GUARANTEE THE ACCURACY, RELIABILITY, COMPLETENESS, USEFULNESS, NON-INFRINGEMENT OF INTELLECTUAL PROPERTY RIGHTS, OR QUALITY OF ANY CONTENT ON FICO FORUMS, REGARDLESS OF WHO ORIGINATES THAT CONTENT. MYFICO DOES NOT WARRANT THAT FICO FORUMS IS SECURE, FREE FROM BUGS, VIRUSES, INTERRUPTION, ERRORS, OR OTHER LIMITATIONS. YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOU BEAR ALL RISKS ASSOCIATED WITH USING OR RELYING ON THAT CONTENT. MYFICO IS NOT LIABLE OR RESPONSIBLE IN ANY WAY FOR ANY CONTENT POSTED ON OR LINKED FROM FICO FORUMS, INCLUDING, BUT NOT LIMITED TO, ANY ERRORS OR OMISSIONS IN CONTENT, OR FOR ANY LOSSES OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF OR RELIANCE ON ANY CONTENT. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, MYFICO AND ITS REPRESENTATIVES ARE NOT LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES (INCLUDING DAMAGES RELATING TO LOSS OF BUSINESS, TELECOMMUNICATION FAILURES, LOSS, CORRUPTION, SECURITY OR THEFT OF DATA, LOSS OF PROFITS OR INVESTMENT, OR THE LIKE), WHETHER BASED ON BREACH OF CONTRACT, BREACH OF WARRANTY, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, PRODUCT LIABILITY, OR OTHERWISE, EVEN IF MYFICO OR ITS REPRESENTATIVES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES AND EVEN IF A REMEDY IS FOUND TO HAVE FAILED OF ITS ESSENTIAL PURPOSE. THE LIMITATIONS OF DAMAGES SET FORTH ABOVE ARE FUNDAMENTAL ELEMENTS OF THE BASIS OF THE AGREEMENT BETWEEN MYFICO AND THE USER.</STRONG></P>
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<P><STRONG>Miscellaneous</STRONG></P>
<P><STRONG>The Terms are a complete statement of the agreement between you and myFICO, and set forth the entire liability of myFICO and your exclusive remedy with respect to your access and use of FICO Forums. In the event of a conflict between these FICO Forums Terms of Service and either the </STRONG><STRONG><A href="http://www.myfico.com/Policy/PrivacyPolicy.aspx" target="_blank">myFICO® Privacy Policy</A> or the <A href="http://www.myfico.com/Policy/TermsOfUse.aspx" target="_blank">myFICO® Terms of Use</A> applicable to myFICO, these Terms of Service prevail. The agents and employees of myFICO (including Moderators) are not authorized to make modifications to the Terms, or to make any additional representations, commitments, or warranties binding on myFICO. Any waiver of the Terms by myFICO must be in a writing signed by an authorized officer of Fair Isaac Corporation and expressly referencing the applicable provisions of the Terms. Your privilege to use or access FICO Forums may be terminated by myFICO immediately and without notice if you fail to comply with any of the Terms. Upon such a termination, you must immediately cease accessing or using FICO Forums. If any provision of the Terms is invalid or unenforceable under applicable law, then it is to be, to that extent, deemed omitted, and the remaining provisions will continue in full force. The Terms do not limit any rights that myFICO may have under trade secret, trademark, copyright, patent, or other laws.</STRONG></P>Fri, 31 Jul 2015 17:23:02 GMThttp://ficoforums.myfico.com/t5/User-Guidelines-General/myFICO-Forums-Terms-of-Service/m-p/4#M2Barry2015-07-31T17:23:02Z